When Diane’s 25‑year‑old daughter, Ameila and her partner began buying their first home, they quickly discovered an unexpected barrier: securing the life insurance required for their mortgage. Despite managing type 1 diabetes well since she was nine months old with no hospital admittances, Diane’s daughter faced multiple refusals to her application via their mortgage advisor.
This left the family worried and unsure what to do next. Without life insurance, the couple risked losing their mortgage offer, and with it, their chance to buy their first home.
Diane reached out to Diabetes UK who signposted her to BIBA’s Find Insurance Service. Because her daughter could not make calls at work, Diane phoned on her behalf. She described the process as quick and reassuring: “He answered quickly… asked me these questions… then emailed me what she needed.”
Through the service, Diane was connected to Luke at LifeSearch, a specialist broker listed on BIBA’s Protection Directory. The broker reviewed the case and sourced a suitable life insurance policy: “We’re just happy to get insurance… that was our relief.”
Thanks to BIBA’s Find Insurance Service, a 25‑year‑old living with type 1 diabetes secured the life insurance she needed to complete her mortgage. What began as a series of refusals became a positive outcome supported by specialist advice, helping her take the next step towards owning her first home.
Key Takeaways
- Ameila, despite managing type 1 diabetes well, faced challenges securing life insurance needed for her mortgage.
- Diane sought help from Diabetes UK and BIBA’s Find Insurance Service, facilitating the process for her daughter.
- Through BIBA, they connected with LifeSearch, a specialist broker, who found a suitable life insurance policy.
- Their story highlights the importance of specialized advice, ultimately securing insurance for Ameila’s first home purchase.
